17 Costly Social Security Traps to Avoid

Filing for Social Security is a once–in–a–lifetime decision with massive—and often permanent—financial consequences. Watch out for these 17 traps before you make any move. Fellow Investor, Is doesn't seem fair that Social Security can eliminate your benefits when you take your spousal benefit. But there's nothing you can do about it. (see Trap #1). In fact, the moment you file for your retirement, you forfeit forever your ability to file for any other benefit just by itself—even if you suspend your retirement benefit. (see Trap #2). And if you suspend your retirement benefits, but forget to pay your Medicare Part B premiums out of your pocket, then your retirement benefit at age 70 will be no larger than when you suspended it. You'll lose all your Delayed Retirement Credits. (see Trap #7). Social Security's mountain of maddening rules can be so confusing that millions of folks find themselves making bad decisions, without even knowing it at the time. But what can you do? There's only one solution—be aware of the Social Security "traps" before you make any decisions! That's why we're giving you a free copy of Laurence Kotlikoff's just–released special report, 17 Costly Social Security Traps To Avoid. It's yours free for the asking. There's no "trap" in this offer. There's nothing you must buy…now or ever. Your copy will be released to you free the moment you ask for it. Ask today and it's yours today—free! I wish Social Security's rules were that simple and clear cut. But they are not. Click here to access your FREE report! If you're collecting a disability benefit and your spouse tries to collect her benefits early…you could both lose (see Trap #3). Or if you get divorced a day too early…you could lose tens of thousands of dollars in benefits (see Trap #8). Don't miss Trap #6: "You can contribute to Social Security your entire working life and receive nothing whatsoever in extra benefits." And when it comes to taxes, oh boy. The tax "traps" can be a mighty sad surprise (see Trap #14), unless Social Security changes some rules. And if Congress does change a few rules, you can bet the ranch all new rules will not favor higher–income families (see Trap #17). The only way you can make sure you don't fall into any of Social Security's traps is to be aware of them ahead of time—before you take any steps. And the only way to do that is suddenly quite easy…and totally FREE! Simply ask us to release your copy of 17 Costly Social Security Traps To Avoid to you for free. Sincerely, Charles Morgan, Associate Publisher Forbes Investing Newsletters P.S. Laurence Kotlikoff, the author of 17 Costly Social Security Traps To Avoid, is a professor of economics at Boston University. He's also conducting ground breaking research for the National Bureau of Economic Research. Get his just–released special report today! It's yours free, without a single "gotcha." Get your FREE report today!

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